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nfalls · Posted: Tue Sep 06, 2005 2:34 pm Subject: ellis crosby email address found

Thank you for replying...
I have been doing a little research and found some information such as an email address to reach ted ellis crosby the supposed operator/owner

Ellis, Crosby & Associates Inc.
Contact: Ted Crosby
4494 Southside Blvd., Suite #200
Jacksonville, Florida 32216
Voice: 800-491-8615
Fax: 904-928-0722
Email: tcrosby(at)elliscrosby.com
URL: elliscrosby.com

although the url doesnt seem to work at this time

this is the link i found this at..it has numerous collection agencies information may be helpful

collect.org/agencies.html

SANDY · Posted: Fri Sep 09, 2005 8:26 am Subject: GIVE GOOD ADVICE

Ben be sure that u advise these people to be responsible. whatever legal issues ellis crosby has,these people borrowed this money , defaulted on the contracts and they actually are liable. its not going to dissapear. there is no such thing as free cash!!!! these folks need to be taught to budget & be financially responsible.

Katie from TX · Posted: Fri Sep 09, 2005 9:18 am Subject: GOOD ADVICE?

Again! to the same person that keeps saying this, we are not paying now because it wont go to our debt it will go to their paycheck! this company is pocketing the money and going out at night to have fun! and we are still stuck with a debt that we paid already!
so your trying to say pay now because if you dont your not responsible???

sounds like you need to read these posts instead of assuming we dont want to pay, because i want to pay! but i want my money to go to the lender not someone who is spending my money at a bar that night!

KATIE · Posted: Fri Sep 09, 2005 9:19 am Subject: WASTE IT OR NOT?

sandy do you pay people who break the law and harrass you? and lie to you about how much you owe???
do you like to waste money?

SANDY · Posted: Fri Sep 09, 2005 10:56 am Subject: GET IT TOGETHER!!

no i try to be carefull who i borrow from & super carefull that i pay it back to aviod high intrest. i try to teach my children the same scruples. you guys are not "wasting money" you are paying back a loan that u defaulted on with intrest & late fees..now i would like to see any agency that abused anyone to be accountable but you see i used to do collections for a bank & i have first hand experience with deadbeats.
if any of u people had 1 payday loan & got in a bind i can certainly understand...but for those of u that have numerous defaulted payday loans give us a break!
your debt are not going to dissapear.i can relate to some of u but some of u are deadbeats,druggies and/or very irresponsible people with a long history of not paying anyone.this site has opened the flood gates for alot of so called victims looking for a free ride.
if i was a deadbeat freeloader i would be first in line on this site with numerous complaints on how these collection angencys "harrass" me & lie to me to. some of u deserve it! take a financial class & get a life!!

KATIE · Posted: Fri Sep 09, 2005 11:47 am Subject: Grow up and move on

Sandy-
I want to pay back my loan and the extra money that they want us to pay is FOR THEM, its called PRICE GALOUGING ( wrong spelling) I work at a law office hunny and im doing JUST FINE! No one is a deadbeat freeloader besides the one who is name calling which looks like to be you today
I plan on paying back my money i just dont want to be lied to

Maybe you like to be lied to an abused
but i dont

Guest · Posted: Fri Sep 09, 2005 12:20 pm Subject:

If anyone here has a long history of not paying any of their debts, don't you think the payday lender would not give you a loan ? You would think...but they dont care nor do they consider the consumer's ability to repay the loan. There are no credit checks...all they care about is if you have a steady paycheck and direct deposit.

Anyways, the problem discussed here is Ellis Crosby & Associates and their illegal and abusive collection practices. Predatory lending or "payday" loans is a whole other subject.

Guest · Posted: Fri Sep 09, 2005 12:35 pm Subject:

NO ONE DESERVES TO BE HARRASSED SANDY! The point here is Ellis Crosby & Associates breaks the law and consumers need to be aware of this to protect themselves. EC is extorting money that is not legally owed AND they are lying, humiliating, intimidating and scaring the crap out of people. There is no need for that and there are laws against it. The day we consumers give up our rights and allow such activities is the day we might as well all say "we dont mind being screwed, come and take us for all we have!!"

Katie · Posted: Fri Sep 09, 2005 1:18 pm Subject: Prices

I wont be taken for all I have, I will be taken for what i took, which is the amounts of $200 bucks!
Not $1000 for a 200 loan
THATS OUTRAGOUS AND ITS CALLED PRICE GOLUGING!
SORRY FOR WRONG SPELLING

SANDY · Posted: Fri Sep 09, 2005 1:24 pm Subject: RESPONSE

stop getting payday loans!! if u do read the contracts with the outrageous intrest charges like intelligent folks....read read read...knowledge will arm you with common sense. u are adults. they dont force u to take these loans. lets be real.

Tracy · Posted: Fri Sep 09, 2005 2:04 pm Subject:

I agree Sandy, stop getting payday loans, read the contracts, arm yourself and use common sense. The best thing to do if you do decide to get a payday loan is PAY IT COMPLETELY off on your next payperiod. Then you only incurr (1) finance charge.

However, this is too often not what financially strapped consumers do. They end up refinancing on top of refinancing before they even begin to pay down on the loan. Its a vicious cycle and ends up costing the consumer more than 3 times the original loan by the time they are cleared of the debt. Granted, no one forces anyone into taking a payday loan, an unexpected financial hardship does, and yes, consumers default on the loans, but that does not give a third-party debt collector the right to attempt to collect money in an abusive and illegal manner.

KATIE · Posted: Fri Sep 09, 2005 2:09 pm Subject:

no one ever said we were still getting the loans
so what are you talking about?
this forum is for people who are done with payday loans and are looking to consalaidate their loans and other debts. not for people to be rude and harased!

Tracy · Posted: Fri Sep 09, 2005 2:26 pm Subject:

I hear ya KATIE, I wont be taken for all I have either!! I pulled my credit report to find out what I owe, since EC refused to tell me, and it is ridiculous. It says I owe $918. The original amount was $300, I have paid over $400 in finance charges AND I still owe $918? OMG, I sent a letter to the orginal creditor asking them to send me my detailed account information. I want to know what the heck they say I still owe is.

Once I can validate it, then I will be more than happy to work with them, but until then, I am not paying one red cent, especially not to EC!!

SANDY · Posted: Fri Sep 09, 2005 2:38 pm Subject: RESPONSE

katie iam not being rude, just being real. besides , if visiting this site means i have to agree with the majority of u " victims" then i will politely excuse myself and allow u to continue to complain. good luck

Posted: Fri Sep 09, 2005 3:05 pm Subject:

Hi Sandy,

Being in debt is not a fault, I think. The thing which is important is paying it back timely. But, if someone fails to do so, do the collection agencies have rights to harass them? I think they are also aware of the rules stated under fdcpa. They cannot violate those rules.

Yesterday I saw a post in this forum that collection agency is harassing an elderly lady who has lost everything in Katrina and is an Alzheimer's patient. Do you think this is ethical?

All that I would like to say that collection people should differentiate between an escapist and a person who is really in trouble.

Regards,
Bryan

SANDY · Posted: Fri Sep 09, 2005 3:12 pm Subject: RESPONSE TO BRYAN

bryan if this lady losy everything in katrina how in the heck are the collection angencys contacting her?
at the shelters or at a nice strangers home who welcomed the elderly lady free room & board? u see my point bryan. we have the fdcpa to protect us along with rule of law but there are always people trying to take advantage of any situation.some of these complainers and lawsuit chasers are professional debtors and they make it bad the the ones with legit issues.

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